The differences that really matter, IMHO:
*645 offers *much* faster lenses. There is only one truly fast lens in the rb/rz lineup, the 110/2.8. By comparison, almost every 645 lens is 2.8; some are faster. If you want to do available light work on moving subjects, then the question you have to ask yourself is: would you rather shoot ISO 800 at f/2.8 or ISO 1600 at f/4, working with no focus confirmation through a darker lens....
* 645 also offers much longer lenses... affordable even. A 300/2.8 manual is about the same price as the comparable lens for a leading 35mm system.
* ... on the flip side, 6x7 works way better for me for wider shots. There is only one ultrawide in the mamiya 645 lineup and it is very costly. The 35mm is nice but... if wide is your thing, the rb or rz will delight.
* the rb/rz systems are bellows focusing... a huge advantage for closeup and macro. Yes there are extension tubes for 645 but if you want to precisely control your magnification, bellows are very helpful
* Some of the 645 systems provide focus confirmation; the rb and rz do not. For some photographers, this is a major issue. AF is moot for me, the AF isn't really much to speak of unless you go for the really new and pricey models like the afd3.
* the rotating back on the rb/rz is also a huge convenience, especially when using the 6x8 back. Honestly, to me, *the* major operational weakness of the mamiya 645 systems is that shooting in portrait format is a hassle... even with a prism or with a newer afd. There are no vertical grips (which I really miss from 35mm gear) and , wouldn'tcha know, I really like portrait format. No problem, mamiya has designed a godawful rotacam bracket that you can schlep to do verticals more conveniently!!! :rolleyes:
So... big differences in lenses and overall handling make these two systems very difficult to compare. I have both, I use both very happily. To complicate matters even more... there is the mamiya 6/7/7ii which also brings totally different strengths to the table. So I will conclude with this observation: the major strength of MF is the gear diversity... RFs, SLRs, TLRs, view cameras.... Enjoy that diversity.